Provision VOIE product access on the Mastercard Developers portal and create a customer record for the applicant using the Finicity aggregation API
Initiate a Finicity Connect session (payroll-connection flow) for the consumer to authenticate with their payroll provider; alternatively use the Deposit Income flow for bank-based income verification
Upon successful payroll connection, call POST /decisioning/v2/customers/{customerId}/voieTxVerify/withStatement or the appropriate VOIE endpoint for your verification method to generate a VOIE report
Wait for the report to complete by polling the report status endpoint or listening for the report-completion webhook; retrieve the final report with GET /decisioning/v2/customers/{customerId}/reports/{reportId}
Parse the report for employer name, employment status, pay type, pay frequency, and gross income; use the provided annualized income field for DTI calculations
For GSE-eligible transactions, use Finicity's Fannie Mae/Freddie Mac submission flow to deliver the VOIE report directly to the GSE's asset/income verification service
Known gotchas
VOIE and VOA are separate report types with different endpoint paths — ensure you are calling the correct report type for income-only versus asset-only versus combined verification
Payroll provider coverage affects direct VOIE availability; if the consumer's employer is not covered, Finicity's Deposit Income method falls back to bank-transaction-based income estimation
GSE submission requires FCRA-compliant handling; confirm that your use of VOIE data follows the permissible purpose and adverse action requirements applicable to CRA-regulated reports
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp